银行积分区块链积分平台是什么,银行积分区块链积分平台有哪些

❶ What blockchain apps are there?

What blockchain apps are there? What you know are the following:

NetEase Planet

The blockchain APP launched by NetEase is one of the few blockchains that can be traded on a digital trading currency platform. Log in every day to receive force points. NetEase will also regularly release some additional tasks. You can also obtain force points by completing these tasks.

InsurWallet

Singapore’s insurance blockchain APP, this application is simpler than Laizgou and NetEase Planet. InsurWallet will mine every day and then generate corresponding Insur coins. At present, the new version has added a check-in function, which can increase the computing power. At the same time, inviting friends to participate can also increase the computing power.

Online Laici Dog

Laici Dog does not have an independent APP. It is directly embedded in the online wallet. If you want to play, you need to download the online wallet. . Each user can receive two Lai Chi dogs for free in the online wallet. At the same time, he can get micro points by logging in every day, and these points can be used to purchase Lai Chi dogs.

Gongxinbao Block City APP

This requires a mobile phone number and ID card. If you want to dig more mines, you also need to bind your Taobao account, Alipay, JD account, etc. It is really troublesome to use!

Of course there are many other blockchain APPs, which I won’t introduce here. You can search many of them online!

❷ Where are the core advantages of the bank confirmation blockchain service platform?

In recent years, financial fraud, accountant audit failures and other risk events have occurred from time to time in the capital market, which has given commercial banks It has brought legal risks and reputational risks, and has attracted great attention from the leaders of the State Council.

On December 18, the "Bank Confirmation Blockchain Service Platform" was officially released. This platform provides a platform for the China Banking Association and the Chinese Institute of Certified Public Accountants to actively implement the "About Further Standardizing Bank Confirmation and Reply Work" "Notice" and other documents require that it be launched to study and promote the digital construction of letter confirmation and improve the standardization level of letter letter business, which is of great significance.

“We hope that in the future, the bank confirmation blockchain service platform can play a role in preventing and resolving risks, promote the improvement of the quality and efficiency of confirmation, and strive to build a demonstrative digital platform with high security, strong public welfare, convenience and efficiency, Make due contributions to improving the construction of the social credit system and strengthening financial services to the real economy." Liu Fushou, chief lawyer of the China Banking and Insurance Regulatory Commission, said at the press conference.

Pan Guangwei, full-time vice president of the China Banking Association, said that in the future, the China Banking Association will work with relevant institutions to promote the direction of the confirmation business towards intensified operation management, electronic paths, standardized business processes, and refined data governance. The direction is transformation and upgrading, improving the quality of accounting information and audit quality and efficiency, promoting the construction of the social credit system, and assisting the high-quality development of the banking industry.

Three core advantages

Bank confirmation and reply letter are CPAs who, after obtaining authorization from the audited unit, directly issue confirmation letters to banking financial institutions during the audit process to inquire about the bank deposits, bank borrowings, guarantees, and financial management of the audited unit. and other information’s authenticity, the bank’s process of querying, verifying relevant information and providing a reply.

Pan Guangwei introduced that confirmation is one of the core procedures of independent auditing and is crucial to identifying errors and fraud in financial statements. For the entire financial market, confirmation work is related to the quality and efficiency of audit work, the quality of accounting information, and the authenticity of capital market data, and is crucial to preventing financial risks.

“The bank confirmation blockchain service platform adheres to the authoritative, impartial and public welfare construction concepts, and the construction ideas follow the principles of marketization, openness and progressiveness, and gradually promotes Bank confirmation is transforming and developing in the direction of intensification, electronicization, standardization and refinement, and has core advantages in three aspects." Pan Guangwei said.

The first is in terms of platform target positioning. The platform has changed the offline scattered correspondence and reply model to online centralized processing, which can complete the entire process of bank correspondence application, authorization, sending, and reply online, speed up the efficiency of correspondence processing, and effectively solve the traditional paper-based problem. It eliminates various shortcomings of the quality assurance model, reduces the degree of manual intervention of accounting firms, banks, audited entities and other related parties, strengthens risk management and control, and reduces the risk of data errors and fraud.

The second is in terms of platform security. The platform only retains information on the confirmation transmission process and does not retain confirmation data information. It pays attention to the isolation and confidentiality of information to ensure the security of bank and office data. The platform has a financial-level security protection environment and can achieve safe operation of the system 24/7.

The third is in terms of platform technical support. The platform chooses "ICBC Xi Chain" as the underlying blockchain technology. ICBC Xi Chain not only has significant technical advantages, but also has completely independent intellectual property rights. It has passed the authoritative certification of trusted blockchain by the Ministry of Industry and Information Technology and has multiple mature application projects. .

100 banks have applied for access

At the press conference, Pan Guangwei also introduced that after confirming that the bank confirmation platform uses blockchain as the underlying technology, the working group A number of technology companies with blockchain technology and scenario applications conducted on-site exchanges one by one. After expert evaluation, they selected blockchain technology that is autonomous, controllable, safe and reliable, and has more advantages in business connection, post-operation and maintenance, etc. Silver Technology serves as the project contractor.

It is understood that, as the underlying blockchain technology, "ICBC Xian Chain" participated in the trusted blockchain evaluation of the China Academy of Information and Communications Technology in both 2019 and 2020, and passed the function, It is the first blockchain product in the financial industry to be certified by an official authoritative evaluation agency.

“With the strong support of ICBC and ICBC Technology, we have worked overtime and concentrated on solving problems. The system development work was officially completed on October 26, and joint debugging tests are being carried out with a number of banks and accounting firms. work, currently100 banks and dozens of accounting firms have clearly registered to apply to access the platform. We will actively connect with banks and accounting firms that plan to connect to the platform, and provide solutions and conduct training according to the needs of all parties. " Pan Guangwei said.

Zhang Wenwu, Vice President of ICBC, said at the press conference that ICBC has always paid attention to the quality of bank confirmation work. ICBC Technology Company based on ICBC's original confirmation e-letter We will further innovate and improve, and go all out to build the platform, and the platform is put into production and online as scheduled. "We will take the signing of the cooperation agreement as an opportunity to actively cooperate with the platform construction as the first batch of banks to promote the interconnection between the confirmation e-credit and the platform, so that the bank can The practice of centralizing end-to-end certificates fully supports the use of the platform. ”

At the press conference, Liu Fushou also said that it is necessary to promote the construction of the confirmation platform in a safe and orderly manner, adhere to safety, prudence, and controllable risks, adhere to pilots first, steadily advance, and adhere to dynamic adjustments and continuous improvement.

❸ What are the practical applications of blockchain in China

1. WeBank uses blockchain technology for loan settlement
WeBank and Shanghai Huarui Bank invest Trial operation of an inter-bank joint loan clearing platform based on consortium blockchain technology to optimize the settlement and clearing of joint loans of two banks' "Weilidai". With the introduction of this blockchain system, all information is recorded in the blockchain On the network, it cannot be tampered with, and the transaction process is cleared at the same time, realizing real-time clearing, saving a lot of manpower and material resources. This is the practical application of "alliance chain".

2. China UnionPay uses blockchain technology to achieve Cross-bank points exchange
China UnionPay and IBM are trialling a shared points system using blockchain technology. Using this blockchain system allows users to redeem reward points across banks and platforms. In other words, users’ points in one bank can be exchanged for other points. The bank points are rewarded and can even be redeemed for multiple airline miles and supermarket rewards. This greatly improves the efficiency of using bank points.
3. Toyota Motor uses blockchain technology to track auto parts
Toyota Motor joins R3 Alliance, through blockchain technology, stores the production, processing and usage of each part in the blockchain, so that if there is a problem with an automobile part, the origin of the part can be easily and quickly queried.
4. Central Bank Blockchain Digital Bill Trading Platform
The blockchain-based digital bill trading platform promoted by the Central Bank was successfully tested. The introduction of digital currency for settlement can realize the simultaneous transfer of capital flow and information flow in digital bill transactions, thus Realize DVP payment-versus-payment settlement. At the same time, the blockchain digital identity solution solves the problem of repeated KYC authentication for users between different financial institutions.
5. Ant Financial Blockchain Application
Ant Financial Blockchain technology tested the waters of insurance and helped Xinmei Life Mutual Insurance Co., Ltd. launch the first charity rescue account in the domestic insurance industry. Blockchain technology makes every fund flow open and transparent, and the data of every fund flow cannot be tampered with. The whereabouts and uses are traceable. Ant BlockThe chain is used in food safety traceability and product authenticity traceability.

Author: Blockchain Development Company
Link: https://www.jianshu.com/p/5ff8437bd58b
Source: Jianshu
Copyright belongs to the author . For commercial reprinting, please contact the author for authorization. For non-commercial reprinting, please indicate the source.

❹ What is the blockchain points system?

Many shopping malls have point mechanisms, and giving points for consumption has become a very common marketing method. The application of blockchain has been derived from the points system. Through the blockchain points system, it is possible to 1. Build the credit issuance process of points, which lays the foundation for circulation; 2. The deposit paid by the blockchain point bank is an endorsement for redemption; 3. , from service-oriented to user-oriented, users can transfer and exchange independently, the blockchain is responsible for matching, and points play a role in market decisions;
4. Realize traffic interoperability; 5. Introduce an ecological incentive mechanism. At present, technology developers such as Wei Sanyun are relatively powerful in domestic blockchain point system technology development.

❺ What are the current blockchain trading platforms?

There are many blockchain trading platforms, including Huobi, Binance, OK, etc. You can refer to the picture below

Blockchain is the core supporting technology of the digital cryptocurrency system represented by Bitcoin. The core advantage of blockchain technology is decentralization. It can realize point-to-point transactions based on decentralized credit in a distributed system where nodes do not need to trust each other by using data encryption, timestamps, distributed consensus and economic incentives. Coordination and collaboration thus provide solutions to the common problems of high cost, low efficiency and insecure data storage in centralized institutions.

The application fields of blockchain include digital currency, certificates, finance, anti-counterfeiting and traceability, privacy protection, supply chain, entertainment, etc. The popularity of blockchain and Bitcoin has led to many related top domain names. have been registered, which has had a relatively large impact on the domain name industry.

Taking the tourism industry as an example, blockchain applications are mainly focused on travel, travel community reviews, digital identity management, credit consumption management, tracking pilots’ professional certificates and qualifications, and hotel and airline loyalty. Planning, reservation management, and consumption points management are several application areas. In addition, blockchain also has applications in finance, games, entertainment and other fields.

❻ How to unsubscribe from the Agricultural Bank of China’s Xiaodou Paradise

“Hidou Paradise” is a marketing support platform based on the digital points system launched by the Agricultural Bank of China. Through innovative operating models and the introduction of virtual Rights and interests, strengthening cooperation with merchants and other methods to continue to increase the activity and loyalty of mobile banking customers. Since its launch in May 2017, the promotion of the "Hi Dou" function of Palm Bank has effectively promoted the activity of Palm Bank customers. A total of more than 5.8 million customers have participated and experienced it, forming a good reputation and customer stickiness in the market. During the construction of the "Hi Dou" system, the Agricultural Bank of China used blockchain technology to explore the points areasApplication, initially established and formed a distributed accounting system for Hidou storage, query, consumption and other functions.

With the continuous enrichment and improvement of the functions of the "Haidou" platform, financial technologies such as big data and artificial intelligence will be gradually put into application, and will be based on the Agricultural Bank of China's "Thursday Wool Benefit". Carry out various online marketing activities to reward new and old customers, and plan to comprehensively explore PalmBank’s new marketing service model of “acquiring customers, activating customers, and retaining customers” by improving the user service experience of “Haidou”.







1. What is "Hi Dou"?

"Hi Dou" is a virtual right obtained by customers after completing check-in, designated tasks or participating in games at Hi Dou Paradise. Customers can consume "Hi Dou" in the "Hi Dou Paradise" column of Agricultural Bank of China Mobile Banking ” Participate in online draws, redeem gifts, and participate in interactive games and other activities. Agricultural Bank of China adheres to the service concept of "customer first" and continuously gives back to users through interactive modules and effective product operations, and continues to improve user loyalty.

2. The generation and consumption mechanism of “Hi Dou”

At the generation level, customers go through non-financial transactions such as daily check-in in “Hi Dou Paradise”, and Financial transactions such as online payment realize "do tasks to win HiDoos", which mainly includes signing in to get HiDoos, that is, clicking "Daily Sign In", you can get HiDoos rewards by clicking "Daily Sign In", and continuous sign-ins will get more rewards; tasks can earn HiDoos , that is, you can get a certain number of Hi Beans by completing designated transactions; win Hi Beans in games - participating in interactive mini-games or branch special event mini games will give you a chance to win Hi Beans. At the consumption level, customers who participate in online draws and the "Adventure Space Adventure" game can "spend HiDoubles to win big prizes", which mainly include participating in the "Daily Coupon", "Xiaodou Gifts" and "Guess You Like" activities and consuming HiDoubles to participate in the lottery; Consume Hidouble to redeem gifts, or participate in mini-games such as "Adventure Space Travel" to obtain related rights and interests.

3. Construction ideas of “Hi Dou Paradise”

(1) Use emerging technologies to drive platform upgrades. The first is to establish a "Hidou" customer group analysis model based on big data, conduct customer insights from multiple dimensions such as demographic characteristics, transaction behavior characteristics, etc., conduct customer group profile and customer portrait analysis, and provide data-level support for platform operations. . The second is to customize the information push content, advertising pages, and even function entrances in the "Hidou" platform based on the deep learning recommendation algorithm system to achieve the effect of "thousands of people, thousands of faces". The third is to use data mining, cluster analysis and other means to accurately screen out target customers, and build a customer-centered precision marketing closed-loop management process to support the development of marketing activities within the "Haidou" platform, including a complete closed-loop management process Including business goal setting, customer insight, marketing plan design, marketing resource preparation, marketing plan execution, marketing results tracking and evaluation.

(2) Building a sustainableA win-win business model. Through an integrated long-term collaborative mechanism such as the head office building a platform, branches cooperating in promotion, and merchants providing resources, a new business model in which banks, customers, and merchants jointly benefit and win-win is finally built. With the help of the big data platform, as the customer scale expands, the customer level becomes richer, and the number of cooperative merchants increases, we will do a good job in deep learning, intelligent recommendations, etc., and vigorously carry out integrated communication of "thousands of people, thousands of faces". Relying on the entrance and traffic of Agricultural Bank of China’s mobile banking customers, as well as the popularization of intelligent advertising management, precision marketing and other functions, we will strengthen merchants’ negotiation capabilities, allow customers to truly enjoy benefits, and promote the sustainable development of the platform.

(3) Explore the "Haidou" operation and management model. Establish a back-end management system and establish a management system of "head office coordination and branch execution" in the form of hierarchical authorization management, laying a solid foundation for the platform to become bigger and stronger. Hidou's backend management terminal can be set up with functions such as user management, statistical management, and exchange management. Each branch can make independent adjustments in terms of merchant access, lottery prizes, etc. based on business needs.

❼ Why do banks love blockchain so much

Many problems remain to be solved when banks compete for blockchain

As traditional financial institutions, banks are blockchain The most active pathfinder in the field. In recent years, many domestic and foreign banks have applied blockchain technology to credit, clearing and other fields. The unique trust mechanism of blockchain is regarded by banks as a key technological breakthrough for innovative risk management and simplified transaction processes. However, as an emerging technology, the blockchain ecosystem is still in the process of being established, its applications are very limited, and many problems still need to be gradually solved during development.

“At present, the blockchain cannot run high-frequency and concurrent transactions, and the network speed and computing power cannot support it. For example, in the payment field, if it is online shopping, it can still be achieved; if It’s high-frequency trading in futures, so it can’t be done,” Huang Zhen said.

Jiang Peng said that at the beginning of designing the blockchain system, CITIC Bank carefully demonstrated the business links suitable for using blockchain.

“From global experience, it is not suitable to use blockchain to build large and complex systems. Don’t try to use blockchain to solve all problems, but focus on solving core problems. Do too much Complex systems are time-consuming, and technology develops so fast that before the old system is completed, it will face iterations of new technologies," Jiang Peng said.

The idea of ​​"only solving core problems" ensures that after the blockchain is launched, the relevant business operations of CITIC Bank branches can achieve business upgrades without process modification.

Fan Bin admitted that it will take time for banks to fully apply blockchain. IBM's investment in the blockchain open source community will continue, on the one hand, to cultivate the market, and on the other hand, to compete for blocks. The commanding heights of the chain platform. With the rapid iteration of blockchain technology itself, there is still a lot of room for imagination in the scenarios in which financial institutions can use this new technology.

Content comes from Xinhuanet